UPI error codes / U67
UPI response code

UPI error U67: Debit timeout

Official NPCI descriptionDEBIT TIMEOUT TECHNICAL

Raised by: NPCI UPI switch. Source: NPCI, UPI Error and Response Codes v2.9.

What it means

UPI sent the debit to the payer's bank but didn't get an answer in time. The debit may or may not have happened.

Was money deducted?

Possibly. This is the uncertain case.

Type of decline

Technical: a system didn't respond or failed.

If money left your account. Under RBI's turnaround-time rules (circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019), if your account is debited but the receiver isn't credited on a UPI or IMPS transfer, the bank has until the next working day (T+1) to credit the receiver or send the money back. After that it owes you ₹100 for every day of delay.

What you should do

Check your bank statement before paying again, so you don't pay twice. If money left your account and the receiver didn't get it, it comes back automatically. Raise a complaint in your UPI app if it hasn't returned by the next working day.

If you run a payments business

Do not start a fresh payment. Query the status (ReqChkTxn) and let reconciliation settle it. A blind retry after a timeout is how double debits happen.

Related codes

U68Credit timeoutU09ReqAuth time out for payU28Remitter bank not available

If it still isn't sorted

  1. Raise a complaint inside your UPI app. Every UPI app has a help or dispute option on the transaction, and it goes into NPCI's online dispute system. Keep the UPI transaction ID or RRN handy.
  2. If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
  3. If your bank hasn't replied within 30 days, or you're not happy with the reply, complain to the RBI Ombudsman at cms.rbi.org.in. It's free.

Technical or business decline?

NPCI splits declines into two kinds. A technical decline means a system didn't respond or failed: a bank offline, a timeout, a switch error. A business decline means the systems worked and said no, for a reason about the account or the payment: wrong PIN, not enough money, a limit, a risk check. Retrying helps with some technical declines and almost never with business ones.

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